Received a call today from StanChart for their BT promo.

6 months - 2.99%
9 months - 4.50%
12 months - 6.99%

Not sure if this rate is applicable to everyone. May call SCB to ask if interested.

On the other hand, was offered 6.88% p.a. and 1% upfront fee for HSBC Cash Installment Plan. Unused credit limit for your HSBC credit card can be converted to cash (credited into any bank account in Malaysia) at the above rate.

http://www.hsbc.com.my/1/2/personal-bankin...H_CH_A_HSBC_CIP

Just got a call from PBB last week. Latest BT info as below.

One-time processing fee:

6 months - 0%
12 months - 2%
24 months - 5%